I asked you to save a bankrupt factory and you became the richest man in the world.

Chapter 261 Chapter 081-082: Xizhou Rural Commercial Bank’s next strategy! (Two chapters in total)

January 2012, 1, Xicheng.

9:30 in the morning.

When Gao Huaijun and Shang Yayan were lying in the master bedroom of Gao Huaijun's villa, breathing heavily, and entering sage mode, the mate5 phone he placed on the bedside table made a beeping sound.

Gao Huaijun took his phone over and saw that it was a text message sent to him by Tang Ying.

"Is something wrong, Miss Tang?" Shang Yayan sat up on the side, glanced at Gao Huaijun's mobile phone, and asked carefully after putting on her pajamas.

Some time ago, after Hillhouse nova became a hit, Hillhouse Technology held a celebration party. When Gao Huaijun was sent home drunk, the two of them gave in half due to Shang Yayan's intentional or unintentional temptation.

However, Yayan, a foreign businessman, is still Gao Huaijun’s secretary and manager of the internal control and internal audit department.

For a huge group that controls Hillhouse, which has two major tracks, the electronic technology industry and the automotive industry, as well as several auxiliary tracks such as chips.

The boss, Gao Huaijun, is only 29 years old. Not only does he not have children, he also does not have a girlfriend.

This is an incredible thing for anyone.

His mother was also very anxious about this. Overtly and covertly, it was natural that a lady from a famous family came to him in need, looking for a blind date.

Among the top 300 Chinese companies alone, there are almost 50 heads of companies who have offered olive branches explicitly or covertly, but Gao Huaijun basically declined them with a smile.

The core competitiveness of his Hillhouse Group comes from his prophet-like golden finger. Although the powerful alliance is helpful, it will not be particularly helpful.

However, even so, many people still did not give up.

After all, Hillhouse is now a rising star in China!
Who wouldn’t want such a golden son-in-law?
Gao Huaijun also considered that he had a big business, so he accepted Shang Yayan as his woman.

However, he is still young and has not yet considered who will inherit his business empire.

"Her father, Tang Lu, wants to treat me to a meal. He has been working at Xizhou Rural Commercial Bank for a while, and his cooperation is pretty good." Gao Huaijun said calmly without hiding anything, and there was no need to hide it.

Shang Yayan nodded silently. She didn't dare to think that she was Gao Huaijun's only woman.

Her idea was that it would be best to have more sons like Liang Luoshi.

As for those with status and status, she took it very lightly.

In her opinion, no woman can restrain a business star like Gao Huaijun, not even the princess of the cold country chaebol!
After the two of them came out to wash up in the 20-square-meter luxury bathroom, Gao Huaijun did business at home for a while and went through part of the process. Then Gao Huaijun asked the driver to drive his bulletproof Qin to Tang Dynasty. Lu's home.

After ringing the doorbell, Tang Ying opened the door for Gao Huaijun wearing a very loose sweater. When she saw Gao Huaijun holding two bottles of Maotai Feitian 53 Degrees and two Jiankang Zun, she couldn't help but smile and said, "So we He is a domineering president who does as the Romans do, and he knows how to stir up trouble!"

On the side, Tang Lu's wife Xie Yi saw Gao Huaijun coming and couldn't help but smile and said, "Mr. Gao is here, and I'm not even prepared!"

Gao Huaijun nodded politely to Xie Yi and said, "Good morning, aunt. Don't be too polite. Just call me Xiao Gao."

"Good morning!" Xie Yi replied with a smile and said, "Okay, then I will boldly call you Xiaogao."

Then, the laughter of three people came from the villa.

Gao Huaijun couldn't help but lament that he had never been able to come into contact with a family like Tang Yuan's at this level before, let alone a home visit, and Tang Yuan would not invite him.

But now, even when he comes to visit, he is always polite to him.

The fundamental reason is Hillhouse. Such a company with tens of thousands of employees in Xicheng has firmly become the largest private power in Xicheng!
Now let alone the small local families like Tang Lu, even the leaders of Xicheng and Gao Huaijun can meet at their convenience, basically without making an appointment.

After exchanging pleasantries at the door, the three of them came to the living room together.

At this moment, Tang Lu happened to come down from upstairs. He saw Gao Huaijun and walked down quickly, smiling and saying hello to him.

After a few people chatted for a few minutes.

Tang Lu smiled and said, "President Gao is here! Let's go to the study upstairs to chat, okay?"

Although he looked very relaxed, his micro-expression was a little nervous.

He knew that he could sit in the position of Xicheng Rural Commercial Bank, firstly because of his sufficient qualifications, but more importantly, because of Gao Huaijun's support.

In the beginning, it was an exchange of interests with the Xicheng government, but in the end, it was due to pure influence that he became more and more stable in this position.

All salary payments and major capital inflows and outflows of Hillhouse are placed in Xizhou Rural Commercial Bank. It can basically be said to have served as a ballast stone, allowing Xizhou Rural Commercial Bank to directly handle the business volume of other banks in Xicheng. The No. 1 in the entire Xicheng is completely unparalleled!
You know, in Xicheng, there are several large state-owned banks that are at the highest level.

Gao Huaijun felt that Tang Lu had something to say to him today, and presumably there must be other hidden meanings in it, so he gave Tang Ying a reassuring look and said, "Actually, I also want to have a detailed chat with Uncle Tang. Yes, I was quite busy some time ago, and I happen to be quite free today.”

Tang Lu nodded, "Okay, okay, Xiaoyi, you and Tang Ying will prepare some tea and snacks."

. . . .

Tang Lu was a man of some modest qualifications, and his study was decorated in the new Chinese style that tasteful people of his age would like.

With nearly 15 square meters of space and all solid wood furniture, it can be seen that a lot of money was spent on it.

However, it just looks a bit like what later generations would call a local tycoon.

This also made Gao Huaijun truly realize the biggest difference between Chinese bankers in this era and new smart entrepreneurs like himself.

That is, the former still likes to use money to express his interest, while he prefers something fresh and elegant, prefers relatively plain things, and prefers the tone of Song Huizong.

The decoration of Gao Huaijun's home looks very ordinary, the color tone is completely different from Qianlong's, and it is very single.

But the furnishings inside the house are extremely particular.

Gao Huaijun even sent someone to Christie's to buy some antique porcelain, calligraphy and paintings from the Song Dynasty and put them at home. Although in this era, antiques have not yet been hyped, each piece is worth more than one million yuan.

Priceless!
You know, in this era, one million can buy a very good house near the Fourth Ring Road of the Imperial Capital and outside the Magic City.

【Chapter 82】

In a rare move, Tang Ying and her mother obediently went into the kitchen to work, leaving ample space for the two men to talk about their careers. Tang Lu took out a handful of tea leaves from the bookcase, then put the tea leaves into the teapot. While doing the movements skillfully, he said with a smile, "This tea is the top-quality Dahongpao I brought back from Wuyi Mountain. I am usually reluctant to drink the young tea buds from those mother trees, but today I followed Mr. Gao to have a full meal."

After a few words of flattery, Gao Huaijun changed the topic with a smile and said, "I have seen President Tang's contribution to Xicheng Rural Commercial Bank. How many employees does Xizhou Rural Commercial Bank have now?"

"As of December 2011, 12, we have a total of 31 directly affiliated sales department, 1 branches, 2 sub-branches, and 23 branch offices. There are a total of 29 employees, compared with more than 1000 a few years ago. There are more than ten times more people." Tang Lu pondered for a moment and smiled.

Gao Huaijun was stunned for a moment after hearing this, "More than 1000 people? Now there are about 50 points in total, which looks very good! Does Xizhou Rural Commercial Bank have any ideas to go out of Xicheng and expand to surrounding cities?"

Gao Huaijun's words were not without purpose.

Nowadays, many regional banks, such as Jiankang Bank and Magic Bank, are opening new branches in surrounding areas.

The core is to grab reserves and grab customers.

2012 is definitely a golden age for bank development and expansion.

The real estate business is in full swing across the country, and the construction of railways, highways, and bridges is happening one after another without stagnation.

Some people lend money, and some people borrow money. As long as you have money on hand, you can expand your scale quickly.

Although Gao Huaijun is not very interested in this wave of quick money from real estate, it does not represent his own flanking force. Xizhou Rural Commercial Bank does not expand externally.

This kind of quick money is nothing if not earned!

Moreover, this bank, I also want to play a lot of gray roles like Shengjing Bank, which will always be a big real estate company in the future.

If this small bank is not strong enough, it cannot be its own white glove.

Tang Lu was obviously stunned.

Although he was the leader of Xizhou Rural Commercial Bank, he basically never thought about leaving Xizhou.

One is that foreign companies and businesses are obviously unfamiliar, and it is easy for bad debts to increase significantly.

The second is that expansion is a matter of time and effort. The establishment of a few outlets will have little impact on his KPI, so he does not have much motivation to allow Xizhou Rural Commercial Bank to expand.

"Now Xizhou Rural Commercial Bank still wants to take root in the local area and has no plans to expand overseas for the time being." Tang Lu took a sip of tea and said immediately.

"If Jiankang cannot enter for the time being, we will first go to the northern Jiangsu area to develop, such as Xusu Huaiyan, Lianyang Town and other areas that are not very high in Sujiang Province, and then slowly develop to cities like Suzhou and Jiankang! "

"Xizhou Rural Commercial Bank is still too weak now!"

"If there is anything I need to say to the leader of Xicheng, I will talk to him!"

At the end of the sentence, Gao Huaijun couldn't help but smile sheepishly.

When Tang Lu heard what he said, he couldn't help but look at him in shock.

Is Xizhou Rural Commercial Bank still weak?

This bank is not an ordinary regional bank in the backward areas of the Central Plains and the West. It has available liquidity of hundreds of billions of dollars. It is not an ordinary regional bank.

Is this still weak?
Boss Gao, you want Xizhou Rural Commercial Bank to become a large regional bank like China Merchants Bank, right?

How much money is required to meet this flow!

Looking at Tang Lu's head full of questions, Gao Huaijun continued with a smile, "Hillhouse and Hillhouse's industrial chain companies can support the expansion of Xizhou Rural Commercial Bank. Others dare not say that it is the first step to expand to Magic City. , it’s not a big problem, I’m sure about it.”

After Tang Lu heard what Gao Huaijun said, the cup in his hand couldn't help shaking, and the tea in the cup couldn't help but spilled out, burning Tang Lu's hand.

He didn't have time to wipe his palms with a tissue, so he couldn't help but look at Gao Huaijun anxiously and said, "Mr. Gao, you really mean what you said!"

He couldn't help but be anxious.

Being able to set up a base in such a financial center is an honor that all banks in the outer regions dream of!

Even if it is a major foreign bank, without Zheng Zhi’s factor, there is no need to even think about it.

And scumbag banks like Xizhou Rural Commercial Bank are even more on the sidelines!
If we can secure a position in the magical city, then Xizhou Rural Commercial Bank's rapid expansion strategy can be easily launched.

"Do you think I'm someone who loves to watch jokes?" Gao Huaijun noticed Tang Lu's gaffe, raised the teacup in his hand, and continued, "Of course I have conditions. In the future, Xizhou Rural Commercial Bank will be in the Magic City. Gradually entering the fix income business (the core fixed income business of investment banks, simply put, the business of bond issuance and underwriting), this is my assessment of Xizhou Rural Commercial Bank. This action is very important for the next development of Hillhouse !”

Gao Huaijun said seriously.

fix income?

Hillhouse’s next strategy?

Tang Lu felt that his whole body was really numb!
Xizhou Rural Commercial Bank is just a small regional bank. You ask it to do some simple packaged financial management and it is good at issuing loans, but you ask this bank to get involved in investment banking?

He had the illusion that the manager above him asked him to develop 12306, or Taobao, within seven days, but he also had a feeling that Xizhou Rural Commercial Bank could try it out.

Mr. Gao. . . Are you serious about storytelling?

"This... fix income business, will it be too difficult?" Tang Lu asked cautiously.

"You want Xicheng Rural Commercial Bank to stick to its position. In a sense, this is right. I don't know much about banking business and I dare not make random guesses. What I said is just a long-term view," Gao Huaijun took a sip. Tea, said with a smile.

Tang Lu smiled, "Xizhou Rural Commercial Bank, although the available funds are pretty good now, in Xicheng, it has even achieved the largest business volume in the entire Xicheng. This is the core support of the Hillhouse Group. "

Gao Huaijun nodded.

Then Tang Lu continued, "But if we want to get involved in the investment banking business, there are still many things we need to do. One is that we need to have relevant licenses. This is not our Xizhou Rural Commercial Bank, or at the level of Xicheng. It’s a problem that can be solved.”

"The second is that we also need to have sufficient and friendly relationships with these companies. In this regard, compared with the investment banking business of the four major banks, it is not even a little bit worse!"

(End of this chapter)